Dog Liability Insurance
Get your personal quote for dog liability insurance in just a few clicks.
Protection when your dog causes the unexpected.
As a dog owner, you are legally responsible for any damage your dog causes, even if it happens accidentally. Whether your dog injures someone, damages property or causes a traffic accident, dog liability insurance protects you against potentially high financial claims.
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Required in many
Dog liability insurance is a legal requirement for dog owners in many federal states in.
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Coverage up to €50 million
High coverage limits protect you against expensive injury and property damage claims.
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Dog sitters included
Coverage also applies when your dog is cared for by family members, friends or other non-professional dog sitters.
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One policy for multiple dogs
Insure one or more dogs under a single insurance policy.
Get your personal quote
1. Select number of dogs to be insured
2. Customize coverage
3. Confirm your dog's breed
4. Select your plan
Top Protection
Coverage: 10 Mio. €
Book your personal insurance consultation.
Get clear advice tailored to your situation. We'll explain your options, answer your questions and help you choose the right cover.
What's covered
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Personal injuries
Your dog is full of energy and accidentally bumps into a cyclist, causing them to fall and hurt themselves. Your insurance covers all medical costs and compensation claims.
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Property damage
Your dog gets overly excited and damages a guest’s clothing, furniture, or other personal property. Your insurance will cover it and pay for cleaning, repair or replacement of the item.
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Rented property
Your dog damages the floor in your rented apartment or chews on the rented couch. Your insurance will pay for the damage caused.
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Your dog sitter
If someone looks after your dog and an incident occurs, they’re also covered — provided they’re not paid professionals.
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Financial loss
Your dog causes a delivery cyclist to crash. The policy covers damage to goods and financial loss, including loss of income due to an injury.
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Walking without leash
Even if your dog causes an incident while walking off-leash (where legally allowed), the insurance still provides coverage.
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Dog schools & training
Your dog causes damage or injury during a training session or in a dog school. These incidents are included as well.
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Worldwide coverage
Traveling with your dog abroad? Whether you're on holiday in France or visiting family in the US — the policy covers damages caused by your dog worldwide.
What’s not covered
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Purebred dogs that are classified as dangerous
Here you’ll find a detailed list of dog breeds classified as high-risk, which are excluded from coverage.
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Damage to your own property
Damage your dog causes to your own furniture, electronics, or other personal belongings inside your home is not covered.
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Broken glass in your own home
If you're renting a flat and your dog accidentally breaks a window or glass surface in your home, this type of damage is excluded from coverage.
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Damage due to wear and tear
Damage that develops gradually over time, such as scratches on parquet floors or worn carpets caused by your dog, is not covered by pet liability insurance. This is considered normal wear and tear.
You know what’s covered - now secure what matters.
Enjoy the security of knowing your valuables are protected.
Let Anna explain
Not sure what's covered, or whether dog liability insurance is right for you? Anna explains everything you need to know about dog liability insurance, clear and simple.
Still have questions? Contact our team directly.
A clear introduction to dog liability insurance in Germany.
Frequently asked questions
You don’t have to keep your dog on a leash at all times for your insurance coverage to be valid. This is not the determining factor for your insurance company’s decision to cover the damage. Even if your dog runs into the road and causes an accident, your insurance will still cover the damages.
Yes, your dog sitter is covered under your dog liability insurance — as long as they’re not caring for your dog on a professional or paid basis. If they are, they would need to have their own insurance.
You can insure as many dogs as you like. In the calculation tool above you are limited to a maximum of 3 dogs. Should you have more, simply write us an email and receive an individual offer from us.
As long as the puppies remain in your care, they are automatically covered together with their mother — free of charge for up to 12 months.
Yes, your dog liability insurance covers damage to your rented apartment, for example, scratched doors or damaged walls — as well as other rented items, such as holiday homes or furniture. You're even covered if the damage happens while you're not present.
Got the answers you need? Let’s get you protected.
All your questions answered. One last click to go.